USAA Homeowners

USAA Homeowners appears in PlainInsurer's regulatory database with 687 justified complaints on file across 50 states under NAIC code 25941, operating as part of USAA. The company's composite score of 84.8 translates to a reputation grade of A — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.

Looking at business mix, USAA Homeowners reports activity in 1 line of business (Home Insurance). Its complaint score of 84.8 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.

For consumers evaluating USAA Homeowners, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current A grade suggests fewer consumer problems than at most insurers of similar size, which is a positive signal — though coverage terms, price, and state-specific licensing still matter for any purchase decision. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.